U.S. Bank HELOC vs. Bethpage Federal Credit Union HELOC
Side-by-side comparison · Updated 2026 · Independently reviewed
U.S. Bank HELOC
U.S. Bank
4.3
Big-bank HELOC with no origination fee, high credit limits up to $750k, and a 0.5% autopay discount.
Full review →Bethpage Federal Credit Union HELOC
Bethpage Federal Credit Union
4.5
Credit union HELOC with a rare 12-month fixed intro rate, no closing costs, and lines up to $1M.
Full review →WealthSpott Verdict
Bethpage Federal Credit Union HELOC wins on more measurable categories — particularly on rate and cost. U.S. Bank HELOC may still be the right fit depending on your loan amount and term needs.
Feature
U.S. Bank HELOC
Bethpage Federal Credit
APR Range
8.20% – 12.80%
6.99% – 10.99% Best
Loan Amount
$15,000 – $750,000
$10,000 – $1,000,000 Best
Term Length
120–360 months
120–240 months
Origination Fee
No origination fee; $90/yr after year 1
No closing costs; no annual fee
Min Credit Score
660+ Best
670+
Funding Speed
2–4 weeks
2–3 weeks
U.S. Bank HELOC
Bethpage Federal Credit Union HELOC
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